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© Fiskil 2026. All rights reserved.
Personal Finance
Savings Goals
Savings goals fail without tracking and momentum. Fiskil monitors account balances and transactions to track savings progress, recommend optimal contributions, and keep users motivated.
People set savings goals but struggle to track progress and maintain momentum without dedicated tools.
No automated tracking of savings progress
Difficult to know if saving enough to meet goals on time
Manual calculations required to adjust contribution amounts
Lack of motivation when goals feel far away
Easy to abandon goals when not actively tracking
Automatically track savings account balances, calculate goal progress, and recommend optimal contribution strategies.
Track progress toward multiple savings goals simultaneously (house deposit, vacation, emergency fund).
Monitor linked savings accounts and update goal progress as balances increase.
Calculate optimal monthly contributions needed to reach goals by target date.
Trigger celebrations and achievements when users hit savings milestones (25%, 50%, 75%, 100%).
Add automated savings features to your personal finance app.
User connects bank accounts designated for savings goals.
User defines goals with target amounts and target dates (e.g., $50k house deposit by Dec 2026).
API monitors account balances and updates goal progress as savings grow.
Recommend contribution adjustments based on current progress and time remaining.
API provides percentage complete, amount remaining, and time to goal for visualization.
Aggregate balances from multiple accounts toward a single goal.
Project goal completion date based on current savings rate.
Identify and track round-up contributions from linked spending accounts.
Recommend when to transfer funds based on cash flow analysis.
Suggest goal adjustments if current trajectory won't meet target.
A neobank adds goal tracking to encourage customers to save toward specific objectives.
Result: Customers with active goals save 3.2x more than those without, increasing deposits by $45M.
A dedicated savings app uses goal tracking to gamify saving behavior.
Result: 78% of users achieve their first savings goal within target timeframe.
A banking app for young adults uses goal tracking to build savings habits.
Result: Young users save average of $185/month toward goals vs $40/month without tracking.
POST /savings-goals/createGET /savings-goals/{goalId}/progressGET /accounts/{accountId}/savings-summaryPOST /savings-goals/{goalId}/calculate-contributionGoal target amount
Current saved amount
Progress percentage
Target date
Recommended monthly contribution
Projected completion date
OAuth 2.0 / CDR consent
Yes
Yes, users can create and track unlimited savings goals with different target amounts and dates.
Progress is calculated by monitoring linked savings account balances and comparing to goal target amounts.
The API can aggregate balances from multiple accounts toward a single goal.
Yes, recommendations adjust based on current progress, changes in savings rate, and time remaining.
You can trigger celebrations, offer new goal suggestions, or convert to maintenance mode.
Yes, multiple users can contribute to shared goals by linking their individual accounts.
Progress updates whenever account balances refresh, typically in real-time or near-real-time.
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Join hundreds of companies using Fiskil to power their personal finance applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.